Tag: finance
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Listening
Growing up it was common for the old timers in our small town to tell the youth of the day ” God gave you 2 ears and one mouth, so you should listen twice as much as you talk “. From time to time with my own kids, I would quite often say “you need…
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Fear, Hype, and Bullshit
As we are now through the first 6 months of 2025, I think it is a great time to take a bit of a look back on the last 180 days, and see where we go from here. Tensions were high coming into the year with Canadian Parliament being shut down, DJT preparing for his…
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Let Them Eat Cake
As we sit on the eve of tomorrows rate cut announcement from Uncle Tiff at the BOC, we have a lot to look at. The announcement, for what it is worth will likely be a hold, but there is just so much more going on in the financial world to look at. Uncle Tiff is…
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The Basis Of Basis
Basis is something, that in the mortgage world is usually followed by the word point. We all know what a basis point is. 1/100 of 1 percent. If you don’t know that, then you ought to call up your brokerage, and make arrangements to surrender your mortgage license. But, basis can mean many thing to…
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Almost Always Almost Never
One of the great things about my life, is that I get to read a lot. I read a lot of different sites, I devour news content like almost no one else. I am always trying to read as much as I can. On Sunday night, it was a bad deal to be reading a…
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Forced To The Margin
Phew ! What a week we saw in the markets. Weeks like this are only rivalled by a couple times in history such as the COVID 19 meltdown in 2020 meltdown, the GFR in 2008 and the tech wreck in 2001. It is something when we see global indexes plunge by double digit amounts in…
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The Problem with Smart People
Well, this morning we saw the inflation report released for Canada, and oh boy was it a doozie. Back in late December of 2024, I put out my year end predictions for 2025, and one of the main things I saw was inflation re igniting. Of course, all the ‘smart people’ took it as an…
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Conflict
In todays challenging times, the title of this post could be about many things. Canada – US relations, the war in the Middle East, or even political divisions within Canada. But is really about none of that. Todays conflict I want to look at is one within our industry. I spent the better part of…
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Do as I Say, Not as I Do
The news cycle seems to move fast these days, and if you haven’t read the news since before dinner, you are out of date. The on again – off again tariff wars, stock markets, bond yield moves, and political climate make it so that you can assume nothing, trust no one, and certainly not take…
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Tariff Tuesday
Happy Tariff Tuesday everyone! It is like taco Tuesday, except that instead of warm delicious tacos we have stupid crazy politicians. It is now official, and tariffs, and counter tariffs are in place. For the average person I really don’t think it will do a whole lot. The one thing that news, media, and even…
Ryan Sims insights, thoughts, and analysis 